Accounts


Share Savings Account

The key to your membership benefits. Your share account unlocks the door to our great products and service.

  • Dividends paid monthly

  • Federally insured by the National Credit Union Administration (NCUA)


Sub Share Savings Account

Setting money aside for taxes, a special project, or a rainy day? Open as many as you need to keep your finances organized and earn while you save!


Checking

  • No minimum balance

  • No per check charge

  • VISA® check (debit) card for convenient account access

  • Overdraft privileges available

  • Monthly account statement

  • Free use of all VCCU and CO-OP automatic teller machines (ATM)

  • Non-VCCU automated teller machine (ATM) fees do apply

  • Free touch tone phone access to your account “Audio Teller”

  • Free home banking access

  • All rates subject to change without notice


Money Market Account

Earn interest on your money with the flexibility of account access when you need it.

  • Minimum balance requirement of $2,000.00

  • Tiered dividend rates that allow you to earn more as your account grows

  • Dividends paid monthly


Term Share Certificate

Recommended when you want a higher guaranteed rate of return.

  • Terms ranging from 3 – 60 months

  • Tiered dividend rates that allow you to earn more

  • Dividends paid monthly


Individual Retirement Account (IRA) Certificates

Prepare for your future. Choose from:

  • Traditional

  • Roth

  • Educational


Health Savings Account (HSA)

Do you have a high deductible medical insurance plan? With a HSA you can save for medical expenses and potential tax benefits. (see your tax professional to determine how it may benefit you.)


Holiday Club Account

Save for Christmas or any special occasion.

  • Funds are available on October 15

  • Earn while you save for scheduled holiday expenses